{"id":4160,"date":"2017-10-17T09:25:48","date_gmt":"2017-10-17T17:25:48","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4160"},"modified":"2020-01-16T13:37:38","modified_gmt":"2020-01-16T21:37:38","slug":"heath-saving-account_which","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/heath-saving-account_which\/","title":{"rendered":"Heath Saving Account\u4e8b\u60c5\u3000\u3069\u308c\u3092\u9078\u3076\u304b\u3002"},"content":{"rendered":"<p>High Deductible\u5065\u5eb7\u4fdd\u967a\u3068\u30ab\u30c3\u30d7\u30eb\u3067\u4f7f\u308f\u308c\u308bHealth Saving Account\uff08HSA\uff09\u3002\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3001\u533b\u7642\u8cbb\u306b\u4f7f\u3046\u306a\u3089\u305d\u306e\u307e\u307e\u975e\u8ab2\u7a0e\u3067\u4f7f\u3048\u307e\u3059\u3002High Deductib le\u30d7\u30e9\u30f3\u306f\u3001\u5065\u5eb7\u3067\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u3042\u307e\u308a\u5fc5\u8981\u3068\u3057\u306a\u3044\u306a\u3089\u5927\u304d\u304f\u4fdd\u967a\u6599\u3092\u524a\u6e1b\u3067\u304d\u308b\u3068\u3044\u3046\u6d88\u8cbb\u8005\u3078\u306e\u9b45\u529b\u3068\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u8cea\u3068\u5024\u6bb5\u306e\u6bd4\u8f03\u691c\u8a0e\u3092\u6d88\u8cbb\u8005\u306b\u8ca0\u308f\u305b\u308b\u3053\u3068\u3067\u4fdd\u967a\u4f1a\u793e\u5074\u30fb\u4f01\u696d\u5074\u306e\u5065\u5eb7\u4fdd\u967a\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3067\u304d\u308b\u3068\u3044\u3046\u4f01\u696d\u5074\u306e\u5229\u70b9\u304c\u91cd\u306a\u3063\u3066\u3001\u3053\u3053\u4f55\u5e74\u304b\u3067\u5287\u7684\u306b\u52a0\u5165\u8005\u304c\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306b\u3068\u3082\u306a\u3063\u3066\u3001HSA\u3092\u5229\u7528\u3059\u308b\u8cc7\u683c\u304c\u3042\u308b\u4eba\u3082\u5897\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<h1>\u307e\u3060\u307e\u3060\u9014\u4e0a\u6bb5\u968e<\/h1>\n<p>\u6700\u8fd1Morningstar\u793e\u304c<a target=\"_blank\" href=\"https:\/\/corporate1.morningstar.com\/ResearchLibrary\/article\/813893\/2017-health-savings-account-landscape\/\" >2017\u3000Health Saving Account\u3000Landscape <\/a>\u3068\u3044\u3046\u30ec\u30dd\u30fc\u30c8\u3092\u767a\u884c\u3057\u307e\u3057\u305f\u3002\u4e3b\u8981\u306aHSA\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3059\u308b10\u793e\u306e\u8cea\u306b\u3064\u3044\u3066\u5831\u544a\u3057\u3066\u3044\u307e\u3059\u3002HSA\u30d7\u30e9\u30f3\u306e\u8cea\u306fSpending\uff08\u7a4d\u307f\u7acb\u3066\u3066\u304a\u3044\u3066\u3001\u5fc5\u8981\u306b\u5fdc\u3058\u533b\u7642\u8cbb\u3092\u652f\u6255\u3046\u305f\u3081\u306e\u6a5f\u80fd\uff09\u306e\u5074\u9762\u3068\u3001Investing\uff08\u9577\u671f\u7684\u306b\u3001\u6295\u8cc7\u904b\u7528\u3059\u308b\u305f\u3081\u306e\u6a5f\u80fd\uff09\u306e\u5074\u9762\u3068\u3044\u3046\u3075\u305f\u3064\u306e\u5074\u9762\u304b\u3089\u8a55\u4fa1\u304c\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u30ec\u30dd\u30fc\u30c8\u306e\u7dcf\u5408\u7684\u306a\u8a55\u4fa1\u7d50\u679c\u306f\u3001\u300cHSA\u696d\u754c\u306f\u3001\u307e\u3060\u307e\u3060\u767a\u5c55\u9014\u4e0a\u3067\u3042\u308a\u3001\u6599\u91d1\u3084\u63d0\u4f9b\u30b5\u30fc\u30d3\u30b9\u306a\u3069\u3053\u308c\u304b\u3089\u5927\u304d\u304f\u6539\u5584\u3055\u308c\u308b\u3079\u304d\u70b9\u304c\u6b8b\u3063\u3066\u3044\u308b\u300d\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3093\u306a\u4e2d\u3001\u4f4e\u6599\u91d1\u3067\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u3042\u3063\u305fHSA\u3092\u9078\u3076\u3053\u3068\u306f\u975e\u5e38\u306b\u91cd\u8981\u306a\u30dd\u30a4\u30f3\u30c8\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n<p>\u4f01\u696d\u304cHigh Deductible\u5065\u5eb7\u4fdd\u967a\u3068\u30ab\u30c3\u30d7\u30eb\u3067HSA\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u3057\u3070\u3057\u3070\u3067\u3001\u4f01\u696d\u3082\u6bce\u5e74\u3044\u304f\u3070\u304f\u304b\u306e\u304a\u91d1\u3092\u96c7\u7528\u8005\u306eHSA\u306b\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3064\u3044\u3066\u304f\u308b\u3053\u3068\u3082\u3088\u304f\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u5834\u5408\u306f\u4f01\u696d\u304c\u63d0\u643a\u3057\u3066\u3044\u308bHSA\u63d0\u4f9b\u91d1\u878d\u6a5f\u95a2\u306b\u3001\u7d66\u4e0e\u5929\u5f15\u304d\u306e\u81ea\u52d5\u306b\u632f\u308a\u8fbc\u307f\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u3053\u307e\u3067\u306f401(k)\u3068\u4f3c\u3066\u3044\u307e\u3059\u304c\u3001401(k)\u3092\u5229\u7528\u3057\u3088\u3046\u3068\u601d\u3048\u3070\u3001\u4f01\u696d\u304c\u63d0\u643a\u3057\u3066\u3044\u308b\u91d1\u878d\u6a5f\u95a2\u3092\u4f7f\u3046\u3057\u304b\u306a\u3044\u306e\u3068\u306f\u7570\u306a\u308a\u3001HSA\u306f\u81ea\u5206\u3067\u597d\u304d\u306a\u91d1\u878d\u6a5f\u95a2\u3092\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4f01\u696d\u304c\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u91d1\u984d\u306f\u4f01\u696d\u306e\u9078\u3093\u3060HSA\u306b\u5165\u308b\u3067\u3057\u3087\u3046\u304c\u3001\u305d\u306e\u304a\u91d1\u306f\u5b8c\u5168\u306b\u81ea\u5206\u306e\u3082\u306e\u306a\u306e\u3067\u3001A\u9280\u884c\u3068B\u9280\u884c\u306e\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u9593\u3067\u304a\u91d1\u3092\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3059\u308b\u3088\u3046\u306b\u3001C\u6a5f\u95a2\u3068D\u6a5f\u95a2\u306eHSA\u53e3\u5ea7\u3082\u81ea\u7531\u306b\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3088\u3063\u3066\u3001\u96c7\u7528\u4e3b\u63d0\u4f9b\u306eHSA\u304c\u4f4e\u6599\u91d1\u306e\u30cb\u30fc\u30ba\u306b\u3042\u3063\u305f\u3082\u306e\u3067\u3042\u308c\u3070\u3044\u3044\u3067\u3059\u304c\u3001\u305d\u3046\u3067\u306a\u3044\u306a\u3089\u4ed6\u3092\u63a2\u3059\u3068\u3044\u3046\u3053\u3068\u304c\u5fc5\u8981\u306b\u306a\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n<p><em>\u6ce8\uff09\u7d66\u4e0e\u5929\u5f15\u304d\u3067<\/em><em>HSA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u5834\u5408\u306f\u3001Social Security\u3068Medicare\u306e7.65\uff05\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u3044\u3063\u305f\u3093\u7d66\u6599\u3067\u3082\u3089\u3063\u3066\u304b\u3089\u3001\u81ea\u5206\u3067HSA\u306b\u7a4d\u307f\u7acb\u3066\u308b\u5834\u5408\u306f\u3001\u3059\u3067\u306bSocial Security\u3068Medicare\u304c\u5f15\u304b\u308c\u3066\u3044\u3057\u307e\u3063\u3066\u3044\u308b\u306e\u3067\u3001\u305d\u306e\u307e\u307e\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/em><\/p>\n<p>\u63a2\u3059\u306b\u3042\u305f\u3063\u3066\u306f\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u304c\u4f55\u306a\u306e\u304b\u3092\u628a\u63e1\u3059\u308b\u306e\u304c\u4e00\u756a\u91cd\u8981\u306a\u524d\u63d0\u3067\u3059\u3002\u3053\u3053\u3067\u306f\u3001HSA\u5229\u7528\u306e\u76ee\u7684\u304c\u3001\uff11\uff09\u4e3b\u306b\u5e74\u3005\u304b\u304b\u308b\u533b\u7642\u8cbb\u3092\u7a4d\u307f\u7acb\u3066\u3066\u304a\u3044\u3066\u3001\u305d\u3053\u304b\u3089\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u4f7f\u3046\u306e\u3092\u76ee\u7684\u3059\u308b\uff08Spending\u6a5f\u80fd\u91cd\u8996\uff09\u304b\u3001\uff12\uff09\u7a0e\u512a\u9047\u306e\u3042\u308b\u30d7\u30ed\u30b0\u30e9\u30e0\u3068\u3057\u3066\u9577\u671f\u7684\u306b\u6295\u8cc7\u904b\u7528\u3059\u308b\u306e\u3092\u76ee\u7684\u3068\u3059\u308b\uff08Investing\u6a5f\u80fd\u91cd\u8996\uff09\u304b\u3092\u8a8d\u8b58\u3059\u308b\u3068\u3053\u308d\u304b\u3089\u59cb\u3081\u307e\u3059\u3002<\/p>\n<h1>Spending\u6a5f\u80fd\u91cd\u8996\u306a\u3089<\/h1>\n<p>HSA\u306f\u305d\u3082\u305d\u3082\uff11\uff09\u306e\u533b\u7642\u8cbb\u306e\u7a4d\u307f\u7acb\u3066\u53e3\u5ea7\u3067\u3042\u308b\u3053\u3068\u3092\u5ff5\u982d\u306b\u3064\u304f\u3089\u308c\u3066\u3044\u307e\u3059\u3002High Deductible\u5065\u5eb7\u4fdd\u967a\u3092\u6301\u3063\u3066\u3044\u308b\u3068\u3001\u9ad8\u984d\u306aDeductible\u307e\u3067\u306f\u533b\u7642\u8cbb\u3092\u5168\u984d\u81ea\u5df1\u8ca0\u62c5\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u305d\u306e\u90e8\u5206\u306e\u8cbb\u7528\u3092HSA\u304b\u3089\u652f\u6255\u3046\u3068\u3044\u3046\u69cb\u56f3\u3067\u3059\u3002\u7a4d\u7acb\u306f\u4f01\u696d\u304c\u3057\u3066\u304f\u308c\u305f\u308a\u3001\u81ea\u5206\u3067\u3057\u305f\u308a\u3001\u305d\u306e\u30b3\u30f3\u30d3\u30cd\u30fc\u30b7\u30e7\u30f3\u3067\u3042\u3063\u305f\u308a\u3057\u307e\u3059\u304c\u3001\u3044\u305a\u308c\u3082\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3001\u533b\u7642\u8cbb\u306e\u305f\u3081\u306b\u4f7f\u3046\u304a\u91d1\u306f\u975e\u8ab2\u7a0e\u3067\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002401(k)\u3084Traditional IRA\u306a\u3069\u306f\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u7acb\u3066\u3001\u4f7f\u3046\u6642\u306f\u8ab2\u7a0e\u5bfe\u8c61\u3067\u3042\u308a\u3001\u4e00\u65b9Roth IRA\u306f\u7a4d\u307f\u7acb\u3066\u6642\u306f\u8ab2\u7a0e\uff08\u6240\u5f97\u7a0e\u63a7\u9664\u306a\u3057\uff09\u3001\u4f7f\u3046\u6642\u306f\u975e\u8ab2\u7a0e\u3068\u3044\u3046\u3088\u3046\u306b\u3001\u3075\u3064\u3046\u306f\u5165\u308a\u53e3\u304b\u51fa\u53e3\u304b\u3069\u3061\u3089\u304b\u3067\u306f\u8ab2\u7a0e\u3055\u308c\u308b\u306e\u306b\u3001HSA\u306f\u533b\u7642\u8cbb\u306b\u4f7f\u3046\u3068\u3044\u3046\u6761\u4ef6\u3092\u6e80\u305f\u305b\u3070\u5165\u308a\u53e3\u3082\u51fa\u53e3\u3082\u975e\u8ab2\u7a0e\u3068\u3044\u3046\u30c0\u30d6\u30eb\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3042\u308a\u307e\u3059\u3002\u3067\u3059\u306e\u3067\u3001\u8a08\u753b\u7684\u306bHSA\u306b\u7a4d\u307f\u7acb\u3066\u3001\u5e74\u3005\u306e\u533b\u7642\u8cbb\u306f\u305d\u3053\u304b\u3089\u637b\u51fa\u3059\u308b\u3053\u3068\u3067\u5927\u304d\u306a\u7bc0\u7a0e\u30e1\u30ea\u30c3\u30c8\u304c\u5f97\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>High Deductible\u5065\u5eb7\u4fdd\u967a\u3092\u304a\u6301\u3061\u306a\u3089\u3001\u305c\u3072HSA\u3092\u958b\u3044\u3066\u5341\u5206\u306a\u8cc7\u91d1\u3092\u3044\u3064\u3067\u3082\u5f15\u304d\u51fa\u305b\u308b\u3088\u3046\u306b\u6e96\u5099\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u3001\u809d\u8981\u3067\u3042\u308b\u3068\u3068\u3082\u306b\u5f97\u7b56\u3067\u3059\u3002\u6700\u8fd1\u306e\u30ea\u30b5\u30fc\u30c1\u3067\u306f\u3001\u4fdd\u967a\u6599\u3092\u7bc0\u7d04\u3057\u3088\u3046\u3068High Deductible\u30d7\u30e9\u30f3\u3092\u5951\u7d04\u3057\u305f\u306e\u306f\u3044\u3044\u304c\u3001\u5b9f\u969b\u3001\u8a3a\u5bdf\u3092\u53d7\u3051\u305f\u308a\u3001\u8a3a\u65ad\u30c6\u30b9\u30c8\u3092\u53d7\u3051\u305f\u308a\u3057\u305f\u307b\u3046\u304c\u3044\u3044\u3068\u306f\u601d\u3044\u306a\u304c\u3089\u3082\u3001Deductible\u306e\u652f\u6255\u3044\u304c\u56f0\u96e3\u306a\u306e\u3067\u53d7\u8a3a\u3092\u898b\u9001\u308b\u3001\u5148\u5ef6\u3070\u3057\u306b\u3059\u308b\u4eba\u3005\u304c\u591a\u3044\u3068\u3044\u3046\u5831\u544a\u304c\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u5065\u5eb7\u3068\u3044\u3046\u304b\u3051\u304c\u3048\u306e\u306a\u3044\u3082\u306e\u3092\u72a0\u7272\u306b\u3057\u306a\u304f\u3066\u3044\u3044\u3088\u3046\u306b\u3001Deductible\u3092\u30ab\u30d0\u30fc\u3059\u308b\u5341\u5206\u306a\u91d1\u984d\u3092HSA\u306b\u8caf\u3081\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002\u5c11\u306a\u304f\u3068\u3082\u81ea\u5206\u306eHigh Deductible\u30d7\u30e9\u30f3\u3067\u304b\u304b\u308bDeductible\u306e\u4e0a\u9650\u3092\u5e38\u306bHSA\u306b\u8caf\u3081\u3066\u304a\u304f\u306e\u304c\u5b89\u5fc3\u3067\u3059\u3002<\/p>\n<p>Spending\u76ee\u7684\u3067HAS\u3092\u9078\u3076\u3068\u304d\u306f\u3001Account Maintenance Fee\uff08\u53e3\u5ea7\u7dad\u6301\u6599\uff09\u3068\u305d\u308c\u305e\u308c\u306e\u53e3\u5ea7\u306e\u5229\u5b50\u304c\u9078\u629e\u306e\u30dd\u30a4\u30f3\u30c8\u3068\u306a\u308a\u307e\u3059\u304c\u3001\u5b9f\u969b\u3001\u3053\u306e\u4f4e\u5229\u5b50\u6642\u4ee3\u306b\u306f\u3069\u3053\u3082\u4f4e\u3044\u5229\u5b50\u306f\u307b\u3068\u3093\u3069\u5dee\u5225\u5316\u8981\u56e0\u306b\u306a\u3089\u305a\u3001Account Maintence Fee\u304c\u6700\u91cd\u8981\u30dd\u30a4\u30f3\u30c8\u3068\u3044\u3048\u307e\u3059\u3002Morningstar\u793e\u306e\u8abf\u67fb\u5bfe\u8c61\uff11\uff10\u793e\u3067\u306f\u3001Account Maintence Fee\u306f\u6708\u3005$0\u304b\u3089$4.50\u307e\u3067\u306e\u7bc4\u56f2\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u6700\u3082\u591a\u3044\u306e\u306f$2\u304b\u3089$3\u3042\u305f\u308a\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u6708\u3005\u304b\u304b\u308b\u6599\u91d1\u3067\u3042\u307e\u308a\u306b\u3082\u3063\u305f\u3044\u306a\u3044\u306e\u3067\u3001\u305c\u3072$0\u306e\u3068\u3053\u308d\u3092\u9078\u3076\u306e\u304c\u5f53\u7136\u306e\u3053\u3068\u306a\u304c\u3089\u30d9\u30b9\u30c8\u3067\u3059\u300210\u793e\u306e\u3046\u3061$0\u3060\u3063\u305f\u306e\u306f\u4ee5\u4e0b\u306e3\u793e\u3067\u3057\u305f\u3002<\/p>\n<ul>\n<li>Alliant Credit Union<\/li>\n<li>The HSA Authority<\/li>\n<li>Select Account<\/li>\n<\/ul>\n<p>\u4ed6\u306b\u3082$1,000\u306a\u3069\u6700\u4f4e\u53e3\u5ea7\u6b8b\u9ad8\u304c\u3042\u308c\u3070Account Maintence Fee\u3092\u514d\u9664\u3059\u308b\u6a5f\u95a2\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3068\u308a\u3042\u3048\u305aSpending\u76ee\u7684\u3067\u3042\u308c\u3070\u4ed6\u306b\u5dee\u5225\u5316\u8981\u56e0\u3082\u3068\u304f\u306b\u306a\u3044\u306e\u3067\u3001\u306f\u306a\u304b\u3089$0\u306e\u3068\u3053\u308d\u3092\u9078\u3076\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u4e0a3\u793e\u306b\u52a0\u3048\u3066\u3082\u3046\u4e00\u793e\u3001\u5f53\u521d\u304b\u3089Account Maintence Fee\u3092\u8ab2\u3055\u305a\u306b\u9811\u5f35\u3063\u3066\u3044\u308b\u91d1\u878d\u6a5f\u95a2\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<ul>\n<li>Lake Michigan Credit Union<\/li>\n<\/ul>\n<p>Lake Michigan Credit Union\u306f\u4ee5\u524d\u306f\u30ed\u30fc\u30ab\u30eb\u306aCredit Union\u3067\u3042\u308a\u3001\u305d\u306e\u571f\u5730\u306e\u4eba\u3067\u306a\u3044\u3068\u53e3\u5ea7\u3092\u958b\u3051\u306a\u3044\u306a\u3069\u306e\u3057\u3070\u308a\u304c\u3042\u308a\u307e\u3057\u305f\u304c\u3001\u4eca\u306fLMCU Anywhere\u3068\u3044\u3046\u30aa\u30f3\u30e9\u30a4\u30f3\u6a5f\u80fd\u304c\u3067\u304d\u3066\u3001\u5168\u7c73\u5c45\u4f4f\u306e\u3060\u308c\u3067\u3082\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u53e3\u5ea7\u3092\u958b\u3051\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4e0b\u306f\u3001<a target=\"_blank\" href=\"https:\/\/www.hsasearch.com\/compare\/\" >HSASearch.com<\/a>\u3067\u306e\u6bd4\u8f03\u8868\u3067\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4163\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/hsa.png?resize=591%2C610\" alt=\"\" width=\"591\" height=\"610\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/hsa.png?w=591&amp;ssl=1 591w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/hsa.png?resize=291%2C300&amp;ssl=1 291w\" sizes=\"auto, (max-width: 591px) 100vw, 591px\" \/><\/p>\n<h1>Investing\u6a5f\u80fd\u91cd\u8996\u306a\u3089<\/h1>\n<p>\u4e00\u65b9\u3067\u3001\uff12\uff09\u306e\u7a0e\u512a\u9047\u306e\u3042\u308b\u30d7\u30ed\u30b0\u30e9\u30e0\u3068\u3057\u3066\u9577\u671f\u7684\u306b\u6295\u8cc7\u904b\u7528\u3059\u308b\u306e\u3092\u76ee\u7684\u3067\u3042\u308b\u5834\u5408\u306f\u3001\u4f7f\u3044\u65b9\u3082\u9078\u3073\u65b9\u3082\u5909\u308f\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>\u3068\u304f\u306b\u3001\u3042\u306a\u305f\u304c401(k)\u306f\u6700\u5927\u9650\u307e\u3067\u7a4d\u307f\u7acb\u3066\u3066\u304a\u308a\u3001IRA\u3082\u3059\u3067\u306b\u6700\u5927\u307e\u3067\u7a4d\u307f\u7acb\u3066\u3066\u3044\u308b\u304b\u3001\u3042\u308b\u3044\u306f\u9ad8\u984d\u6240\u5f97\u306e\u305f\u3081Roth IRA\u306f\u7a4d\u307f\u7acb\u3066\u3089\u308c\u305a\u3001\u307e\u305fTraditional IRA\u3067\u3082\u7a4d\u307f\u7acb\u3066\u63a7\u9664\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u53d7\u3051\u3089\u308c\u306a\u3044\u5c64\u3067\u3042\u308a\u3001\u3069\u3053\u304b\u306b\u7bc0\u7a0e\u52b9\u679c\u306e\u3042\u308b\u6295\u8cc7\u53ef\u80fd\u6027\u3092\u63a2\u3057\u3066\u3044\u308b\u306e\u306a\u3089\u3001HSA\u306f\u305d\u306e\u6761\u4ef6\u3092\u6e80\u305f\u3059\u6295\u8cc7\u53e3\u5ea7\u306b\u306a\u308a\u3048\u307e\u3059\u3002HSA\u306f\u524d\u8ff0\u306e\u3088\u3046\u306b\u3001\u5165\u308a\u53e3\u3082\u51fa\u53e3\u3082\u6240\u5f97\u7a0e\u304c\u304b\u304b\u3089\u306a\u3044\u3068\u3044\u3046\u30c0\u30d6\u30eb\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u3042\u308a\u3001\u5165\u3063\u3066\u304b\u3089\u51fa\u308b\u307e\u3067\u306e\u5229\u56de\u308a\u3082\u3082\u3061\u308d\u3093\u975e\u8ab2\u7a0e\u3067\u5897\u3048\u307e\u3059\u3002\u9ad8\u6240\u5f97\u8005\u5c64\u306f\u30bf\u30c3\u30af\u30b9\u30d6\u30e9\u30b1\u30c3\u30c8\uff08\u6700\u9ad8\u7a0e\u7387\uff09\u304c\u9ad8\u3044\u305f\u3081\u3001\u6240\u5f97\u7a0e\u63a7\u9664\u306e\u6069\u6075\u3092\u3088\u308a\u5927\u304d\u304f\u53d7\u3051\u307e\u3059\u3002401(k)\u3001IRA\u3092\u8d85\u3048\u3066\u7a0e\u512a\u9047\u3067\u6295\u8cc7\u3092\u3057\u305f\u3044\u4eba\u306b\u306f\u3001HSA\u306f\u500b\u4eba\u306a\u3089\u5e74\u9593$3,400 \u3001\u5bb6\u65cf\u306a\u3089$6,750\u307e\u3067\u300155\u6b73\u4ee5\u4e0a\u306e\u5834\u5408\u306f\u3001\u500b\u4eba\u306a\u3089 $4,400 \u3001\u5bb6\u65cf\u306a\u3089$7,750\u307e\u3067\uff082017\u5e74\u73fe\u5728\uff09\u3001\u3055\u3089\u306b\u7a0e\u512a\u9047\u67a0\u3092\u62e1\u5927\u3057\u3066\u304f\u308c\u308b\u52b9\u679c\u304c\u3042\u308b\u308f\u3051\u3067\u3059\u3002\u307e\u305f\u3001HSA\u306f401(k)\u3084Traditional IRA\u306e\u3088\u3046\u306bRequired Minimum Distribution(RMD) \u306e\u8a2d\u5b9a\u304c\u3042\u308a\u307e\u305b\u3093\u3002RMD\u306f70\u6b73\u534a\u306b\u306a\u3063\u305f\u3089\uff082019\u5e74\u672bSECURE ACT\u306b\u306672\u6b73\u306b\u5909\u66f4\uff09\u3001\u5fc5\u8981\u3068\u5fc5\u8981\u306a\u3044\u3068\u306b\u95a2\u308f\u3089\u305a\u6700\u4f4e\u9650\u306e\u5f15\u304d\u51fa\u3057\u3092\u3059\u308b\u3053\u3068\u3092\u5f37\u8981\u3055\u308c\u308b\u30eb\u30fc\u30eb\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u304c\u6f64\u6ca2\u306a\u5bcc\u88d5\u5c64\u306b\u306f\u3001\u5fc5\u8981\u306a\u3044\u306e\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3057\u3066\u8ab2\u7a0e\u3055\u308c\u308b\u3068\u3044\u3046\u7169\u308f\u3057\u3044\u30eb\u30fc\u30eb\u3067\u3059\u3002HSA\u306fRMD\u306e\u8a2d\u5b9a\u306a\u3057\u3067\u3001\u305a\u3063\u3068\u305d\u306e\u307e\u307e\u6295\u8cc7\u3057\u7d9a\u3051\u3089\u308c\u308b\u3068\u3044\u3046\u7279\u5178\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>HAS\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3057\u3066\u8001\u5f8c\u306b\u4f7f\u3046\u5834\u5408\u3082\u3001\u533b\u7642\u8cbb\u306b\u4f7f\u3046\u306a\u3089\u975e\u8ab2\u7a0e\u3067\u4f7f\u3048\u307e\u3059\u3002\u533b\u7642\u76ee\u7684\u306e\u4e2d\u306b\u306f\u3001\u53d7\u3051\u305f\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u6599\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u773c\u93e1\u3001\u30b3\u30f3\u30bf\u30af\u30c8\u30ec\u30f3\u30ba\u3001\u30c7\u30f3\u30bf\u30eb\u30b1\u30a2\u3001\u88dc\u8074\u5668\u3001\u51e6\u65b9\u7b8b\u3001\u30d5\u30a3\u30b8\u30ab\u30eb\u30bb\u30e9\u30d4\u30fc\u3001\u8eca\u3044\u3059\u306a\u3069\u306e\u5668\u5177\u3001\u30ca\u30fc\u30b7\u30f3\u30b0\u30b1\u30a2\u3084\u4ecb\u8b77\u8cbb\u7528\u3001\u3072\u3044\u3066\u306f\u4ecb\u8b77\u76ee\u7684\u306e\u81ea\u5b85\u306e\u6539\u88c5\u8cbb\u306a\u3069\u3082\u8a8d\u3081\u3089\u308c\u308b\u306e\u3067\u3001\u5b9f\u969b\u3001\u6240\u5f97\u7a0e\u975e\u8ab2\u7a0e\u3067\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u3053\u3068\u306f\u305d\u308c\u307b\u3069\u96e3\u3057\u304f\u306a\u3044\u3067\u3057\u3087\u3046\u300265\u6b73\u3092\u8d85\u3048\u3066\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u306f\u3001\u305f\u3068\u3048\u533b\u7642\u8cbb\u76ee\u7684\u3067\u306a\u304f\u3068\u3082\u30da\u30ca\u30eb\u30c6\u30a3\uff0865\u6b73\u524d\u306a\u308920\uff05\uff09\u306a\u3057\u3067\u884c\u3048\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u6240\u5f97\u7a0e\u306f\u304b\u304b\u308a\u307e\u3059\u304c\u3001\u305f\u3068\u3048\u304b\u304b\u3063\u3066\u3082\u3001\u73fe\u5f79\u6642\u4ee3\u3068\u6bd4\u3079\u3066\u4f4e\u6240\u5f97\u306b\u306a\u3063\u3066\u3044\u308c\u3070\u4f4e\u6240\u5f97\u7a0e\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p><em>\u6ce8\uff09\u9023\u90a6\u6240\u5f97\u7a0e\u306f\u975e\u8ab2\u7a0e\u3067\u3082\u3001\u5dde\u306b\u3088\u3063\u3066\u306f\u5dde\u306e\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/em><\/p>\n<p><em>\u00a0<\/em>\u6295\u8cc7\u76ee\u7684\u3067HSA\u3092\u9078\u3076\u3068\u304d\u306f\u3001\u3075\u3060\u3093\u3053\u306e\u30d6\u30ed\u30b0\u3067\u3082\u304a\u52e7\u3081\u3057\u3066\u3044\u308b\u3001\u8ca9\u58f2\u624b\u6570\u6599\u306a\u3057\u3067\uff08\u30ce\u30fc\u30ed\u30fc\u30c9\u3067\uff09\u8cb7\u3048\u308bVanguard\u306a\u3069\u306e\u4f4e\u624b\u6570\u6599\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u304b\u304c\u30ad\u30fc\u306b\u306a\u3063\u3066\u304f\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u3053\u3067\u304a\u52e7\u3081\u306f\u3001\u4ee5\u4e0b\u306e2\u793e\u3002<\/p>\n<ul>\n<li>Select Account<\/li>\n<li>The HSA Authority<\/li>\n<\/ul>\n<p>\u591a\u304f\u306e\u91d1\u878d\u6a5f\u95a2\u304c\u3001\u6295\u8cc7\u904b\u7528\u3092\u3059\u308b\u5834\u5408\u306b\u306f\u3001Annual Investment Fees\uff08\u5e74\u9593\u306e\u6295\u8cc7\u53e3\u5ea7\u624b\u6570\u6599\uff09\u3068\u3057\u3066\u6570\u5341\u30c9\u30eb\u8ab2\u3059\u306e\u304c\u3075\u3064\u3046\u3067\u3059\u3002Bank of America\u306f\u3053\u306eFee\u304c\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305d\u306e\u4ee3\u308f\u308a\u3057\u3070\u3089\u304f\u524d\u307e\u3067\u3042\u3063\u305fVanguard\u30d5\u30a1\u30f3\u30c9\u306f\u63d0\u4f9b\u4e2d\u6b62\u3055\u308c\u3001\u6b8b\u3063\u305f\u30d5\u30a1\u30f3\u30c9\u306e\u6295\u8cc7\u624b\u6570\u6599\u306f\u975e\u5e38\u306b\u9ad8\u3081\u306a\u306e\u3067\u30d0\u30c4\u3068\u3057\u307e\u3059\u3002<\/p>\n<p>SelectAccount\u306f\u3001Annual Investment Fees\u306f$18\u3067\u3001\u4e0b\u8a18\u306e\u4f4e\u624b\u6570\u6599Vanguard\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u30d5\u30a1\u30f3\u30c9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u81ea\u5206\u306e\u30bf\u30fc\u30b2\u30c3\u30c8\u5e74\u3092\u9078\u3079\u30701\u30d5\u30a1\u30f3\u30c9\u3067\u6295\u8cc7\u304c\u7d42\u308f\u308b\u306e\u3067\u3001\u4fbf\u5229\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4162\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/SelectAccount.png?resize=762%2C474\" alt=\"\" width=\"762\" height=\"474\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/SelectAccount.png?w=762&amp;ssl=1 762w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/SelectAccount.png?resize=300%2C187&amp;ssl=1 300w\" sizes=\"auto, (max-width: 762px) 100vw, 762px\" \/><\/p>\n<p>The HSA Authority\u306f\u3001Annual Investment Fees\u304c$36\u3067\u3001\u4e0b\u8a18\u306eVanguard\u306e\u30d0\u30e9\u30f3\u30b9\u30d5\u30a1\u30f3\u30c9\uff08\u682a\u5f0f\u3068\u50b5\u5238\u304c\u3059\u3067\u306b\u30df\u30c3\u30af\u30b9\u3055\u308c\u305f\u30d5\u30a1\u30f3\u30c9\u3002\u30bf\u30fc\u30b2\u30c3\u30c8\u30c7\u30a4\u30c8\u30d5\u30a1\u30f3\u30c9\u306e\u3088\u3046\u306b\u3001\u6642\u9593\u304c\u7d4c\u3064\u306b\u3064\u308c\u3001\u6bd4\u7387\u304c\u81ea\u52d5\u8abf\u6574\u3055\u308c\u305a\u56fa\u5b9a\u6bd4\u7387\u3067\u3059\uff09\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3082\u30d5\u30a1\u30f3\u30c9\u4e00\u3064\u3067\u6295\u8cc7\u304c\u7d42\u308f\u308a\u307e\u3059\uff08\u305f\u3060\u3057\u3001\u6642\u9593\u7d4c\u904e\u306b\u3088\u308b\u6bd4\u7387\u8abf\u6574\u306f\u5fc5\u8981\uff09\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4161\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/hsaAuthority.png?resize=758%2C216\" alt=\"\" width=\"758\" height=\"216\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/hsaAuthority.png?w=758&amp;ssl=1 758w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/10\/hsaAuthority.png?resize=300%2C85&amp;ssl=1 300w\" sizes=\"auto, (max-width: 758px) 100vw, 758px\" \/><\/p>\n<h1>Spending\u3000+\u3000Investing\u306a\u3089<\/h1>\n<p>\u672c\u6765\u306f\uff11\uff09\u306e\u533b\u7642\u8cbb\u306e\u7a4d\u307f\u7acb\u3066\u30fb\u5f15\u304d\u51fa\u3057\u53e3\u5ea7\u3092\u6301\u3064\u3053\u3068\u3092\u7b2c\u4e00\u306e\u76ee\u7684\u3068\u3057\u3064\u3064\u3082\u3001\u5e74\u3005\u7a4d\u307f\u7acb\u3066\u3066\u3044\u308b\u306e\u3067\u3001\u3060\u3093\u3060\u3093\u3068\u4f59\u5270\u91d1\u304c\u8caf\u307e\u3063\u3066\u304f\u308b\u3068\u3044\u3046\u3053\u3068\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u5b9f\u969b\u3001\u30b3\u30f3\u30b9\u30bf\u30f3\u30c8\u306b\u4e0a\u9650\u984d\u306b\u8fd1\u3044\u984d\u3092\u7a4d\u307f\u7acb\u3066\u3066\u3044\u308c\u3070\u3001\u75c5\u6c17\u3092\u3042\u307e\u308a\u305b\u305a\u533b\u7642\u8cbb\u304c\u304b\u304b\u3089\u306a\u304b\u3063\u305f\u5834\u5408\u3001\u53e3\u5ea7\u6b8b\u9ad8\u306f\u7740\u5b9f\u306b\u5897\u3048\u3066\u3044\u304f\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u5834\u5408\u306f\u3001Spending\u7528\u306e\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u53e3\u5ea7\u306b\u5168\u984d\u5165\u308c\u3066\u304a\u304f\u306e\u306f\u3082\u3063\u305f\u3044\u306a\u3044\u306e\u3067\u3001\u5e74\u9593\u306eHigh Deductible\u984d\u306e\uff11\uff5e\uff12\u500d\u306f\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u306b\u6b8b\u3057\u3066\u304a\u3044\u3066\u3001\u6b8b\u308a\u306fInvesting\u306b\u56de\u3059\u306e\u304c\u7406\u306b\u304b\u306a\u3044\u307e\u3059\u3002<\/p>\n<p>\u6700\u521d\u304b\u3089\u3001\u6295\u8cc7\u904b\u7528\u3082\u5ff5\u982d\u306b\u7f6e\u304f\u306a\u3089\u3001Spending\u3001Investing\u3068\u3082\u306b\u8a55\u4fa1\u306e\u826f\u3044SelectAccount\u3084The HSA Authority\u3092\u9078\u3076\u306e\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u3042\u308b\u3044\u306f\u3068\u308a\u3042\u3048\u305aSpending\u91cd\u8996\u3067Alliant Credit Union\u3084Lake Michigan Credit Union\u3067\u59cb\u3081\u3066\u304a\u3044\u3066\u3001\u6295\u8cc7\u904b\u7528\u3092\u3057\u305f\u304f\u306a\u3063\u305f\u3068\u304d\u306b\u3001SelectAccount\u3084The HSA Authority\u306b\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>High Deductible\u5065\u5eb7\u4fdd\u967a\u3068\u30ab\u30c3\u30d7\u30eb\u3067\u4f7f\u308f\u308c\u308bHealth Saving Account\uff08HSA\uff09\u3002\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3001\u533b\u7642\u8cbb\u306b\u4f7f\u3046\u306a\u3089\u305d\u306e\u307e\u307e\u975e\u8ab2\u7a0e\u3067\u4f7f\u3048\u307e\u3059\u3002High Deductib le\u30d7\u30e9\u30f3\u306f\u3001\u5065\u5eb7\u3067\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u3042\u307e\u308a\u5fc5\u8981\u3068\u3057\u306a\u3044\u306a\u3089\u5927\u304d\u304f\u4fdd\u967a\u6599\u3092\u524a\u6e1b\u3067\u304d\u308b\u3068\u3044\u3046\u6d88\u8cbb\u8005\u3078\u306e\u9b45\u529b\u3068\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u8cea\u3068\u5024\u6bb5\u306e\u6bd4\u8f03\u691c\u8a0e\u3092\u6d88\u8cbb\u8005\u306b\u8ca0\u308f\u305b\u308b\u3053\u3068\u3067\u4fdd\u967a\u4f1a\u793e\u5074\u30fb\u4f01\u696d\u5074\u306e\u5065\u5eb7\u4fdd\u967a\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3067\u304d\u308b\u3068\u3044\u3046\u4f01\u696d\u5074\u306e\u5229\u70b9\u304c\u91cd\u306a\u3063\u3066\u3001\u3053\u3053\u4f55\u5e74\u304b\u3067\u5287\u7684\u306b\u52a0\u5165\u8005\u304c\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306b\u3068\u3082\u306a\u3063\u3066\u3001HSA\u3092\u5229\u7528\u3059\u308b\u8cc7\u683c\u304c\u3042\u308b\u4eba\u3082\u5897\u3048\u3066\u3044\u307e\u3059\u3002 \u307e\u3060\u307e\u3060\u9014\u4e0a\u6bb5\u968e \u6700\u8fd1Morningstar\u793e\u304c20 &hellip;<\/p>\n","protected":false},"author":1,"featured_media":3999,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[8,66,61],"tags":[30,42,73],"class_list":["post-4160","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthinsurance","category-seikatsu","category-thrift-life","tag-insurance-buying","tag-choosing-insurance","tag-healthinsurance"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-ground-cover.jpeg?fit=737%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-156","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=4160"}],"version-history":[{"count":2,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4160\/revisions"}],"predecessor-version":[{"id":5182,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4160\/revisions\/5182"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/3999"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=4160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}